Legal Access, Wallet Records, and Local Law
Our Legal notice sets out how we handle account access, identity checks, wallet records, and requests made through appletoto. Eligibility depends on local law, and where local law permits, you may proceed only after completing the account step and phone verification shown on our sign-up path.
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We record payment references so we can match a DANA, OVO, GoPay, or QRIS transaction with the correct account; a bank transfer or virtual account may require the same reference check. If a payment status does not match your receipt, use the cashier help route before
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sending another request. Policy wording can change when a jurisdictional requirement changes, and the current notice is the version that applies when you use the service. You should read it before opening an account and contact us if a clause is unclear.
Service availability depends on jurisdiction. Users are responsible for checking local law before access.